To find out how much area Annie has to plant herbs, we first need to calculate the total area of the square garden bed.
The area \( A \) of a square is calculated using the formula: \[ A = \text{side} \times \text{side} \]
In this case, the side of the garden bed is 2.8 meters: \[ A = 2.8 , \text{m} \times 2.8 , \text{m} = 7.84 , \text{m}^2 \]
Annie is using one-quarter of the bed for tomatoes, so we can find the area allocated for tomatoes: \[ \text{Area for tomatoes} = \frac{1}{4} \times 7.84 , \text{m}^2 = 1.96 , \text{m}^2 \]
Now, to find the area available for herbs, we subtract the area for tomatoes from the total area: \[ \text{Area for herbs} = 7.84 , \text{m}^2 - 1.96 , \text{m}^2 = 5.88 , \text{m}^2 \]
Therefore, the area Annie has to plant herbs is: \[ \boxed{5.88 , \text{square meters}} \]
So the answer is D. 5.88 square meters.